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Its easier to live and spend realistically. What ever is a loan is money that you never had. U will get it in future earnings and nothing tomorrow is promised. I think it improves your overall unite of hapinnes with life. And also I would leave those opportunities to raise loans for some bigger stuff than bitcoin. Like health emergencies or life saving kind. And bitcoin buy with what you have extra as a good future investment if you believe in completely cashless paying future ... and some futuristic craze.